CANALS & TRAILS Credit Union Profile

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CANALS & TRAILS

Charter #68508 | NCUA Region 3 | FISCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (815) 838-7159

Fax: (815) 838-5581

Founding Date: N/A

Website: HTTP://WWW.CANALS-TRAILSCU.ORG

Personnel & Operations

President: Wartenberg, James

Manager: Schuler, Janet

FT Employees: 5

PT Employees: 4

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 2

Hours: M-Th 9:00 am - 5:00 pm F 9:00 am - 6:00 pm

Credit Union Profile Summary

CANALS & TRAILS is a FISCU Credit Union. With a total of 3,212 members [1], this institution manages approximately $34,567,738 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 9.9% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -13.33% [1].

Financial Snapshot

Total Assets [1]
$34,567,738

Total economic resources.

Total Loans [1]
$8,700,011

Total value of outstanding loans.

Total Deposits [1]
$31,104,675

Total funds deposited by members.

Members [1]
3,212

Number of active members.

Performance Ratios

Net Worth Ratio [1]
9.9%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.79%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
27.97%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 2.32%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -13.33%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -2.67%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

838 S State St

Lockport, IL, 60441-3434
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 2 branches reported by CANALS & TRAILS (Charter #68508).

Main Office

Canals & Trails Credit Union Main Office Main Office

Type: Corporate Office

838 S State St

Lockport, IL 60441-3434

Phone: (815) 838-7159

Services: Member Services

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Additional Branches

Romeoville

Romeoville Branch

Type: Branch Office

2 Belmont Dr

Romeoville, IL 60446

Phone: (815) 886-4874

Services: Member Services, ATM

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